Coverage Definition

Travel Delay provides reimbursement for meals and accommodations when a trip is unexpectedly delayed.

What am I covered for?

Important

You need to make reasonable efforts to continue your trip if you’re delayed or you miss your flight or cruise. The coverage described here can help. Any refunds you receive from your travel suppliers will be deducted from your claim.

Travel delay coverage

When it applies: Your travel is delayed for six or more consecutive hours for one of the following covered reasons:

• Maximum of $200 per person per day, up to the limit shown on your letter of confirmation.

Benefits are payable under travel delay coverage or missed connection coverage, not both.

Definitions

Accident: An unexpected and unintended event that causes injury, property damage or both.

Accommodation: A hotel or other kind of lodging where you make a reservation and pay a fee.

Assault: Physical assault that requires treatment in a hospital.

Baggage: Personal property you take on your trip and the suitcases or other kinds of containers you use to carry them.

Common carrier: A company that’s licensed to carry passengers on land, water or in the air for a fee, not including car rental companies.

Covered reasons: The specific situations and events that are covered by this policy.

Current market value: The dollar amount an item could reasonably be sold for, based on its original price, age and current condition.

Dentist Someone who is licensed and legally entitled to practice dentistry or dental surgery. This can’t be you, a traveling companion, any member of either your immediate family, or any member person’s immediate family.

Destination: A place more than 100 miles from your primary residence where you spend more than 24 hours of your trip.

Doctor: Someone who is legally entitled to practice medicine, and is licensed if required. This can’t be you, a traveling companion, any member of either your immediate family, or any member of the sick or injured person’s immediate family.

Domestic partner: A person you’ve lived with in a spousal relationship for at least 12 consecutive months who is 18 years or older. You must be able to show evidence that you’ve lived together for 12 consecutive months.

Epidemic: An outbreak of a contagious disease that spreads rapidly and widely and that is identified as an epidemic by The Centers for Disease Control and Prevention (CDC).

Existing medical condition: An illness or injury that you, a traveling companion or family member were seeking or receiving treatment for or had symptoms of on the day you purchased your plan, or at any time in the 120 days before you purchased it. You, a traveling companion or family member are considered to have an existing medical condition if you, a traveling companion or family member:
• saw or were advised to see a doctor;
• had symptoms that would cause a prudent person to see a doctor;
or
• were taking prescribed medication for the condition or the symptoms, unless the condition or symptoms are effectively controlled by the prescription, and the prescription hasn’t changed.

Family member: Any of the following people, whether or not they’re traveling with you:
• spouses and common-law, civil union and domestic partners;
• parents and step-parents;
• children and step-children (including adopted or soon to be adopted children);
• siblings;
• grandparents and grandchildren;
• the following in-laws: mother, father, son, daughter, brother, sister;
• aunts, uncles, nieces and nephews;
• legal guardians and wards;
• business partners;
• paid, live-in caregivers; and
• service animals (as defined by the Americans with Disabilities Act).

Immediate family members are:
• spouses and common-law, civil union and domestic partners;
• parents and step-parents;
• children and step-children (including adopted or soon to be adopted children);
• siblings; and
• grandparents and grandchildren.

Financial default: A complete cessation of operations because of financial circumstances, with or without filing for bankruptcy protection.

Hospital: A facility whose primary function is to diagnose and treat sick and injured people under the supervision of doctors. It must:
• have organized departments of medicine and major surgery, on site or off site through a pre-arranged contract provide 24 hour nursing service supervised or provided by registered nurses;
• be compensated by patients or their insurance providers for performing these services; and
• be licensed where required.

Illness: Sickness, infirmity or disease. It doesn’t include conditions you already had or knew about when you purchased your plan (see existing medical condition).

Injury: Physical harm directly caused by an accident or assault, without other contributing causes.

Medical condition: A physical condition you have, or have symptoms of, that you:
• have seen or been advised to see a doctor about;
• have symptoms of that would cause a prudent person to see a doctor; or
• are taking prescribed medication for.

Medically necessary: Treatment that’s appropriate for your illness or injury, consistent with your symptoms, and that can safely be provided to you. It meets the standards of good medical practice and isn’t for your convenience or the provider’s convenience.

Other licensed provider: A person or entity that isn’t a doctor or hospital but provides medical or dental services, and is licensed where required.

Pandemic: An epidemic over a wide geographic area that affects a large portion of the population.

Primary residence: Your permanent, fixed address and primary residence for legal and tax purposes. We call the place your primary residence is located your place of residence.

Quarantine: Mandatory isolation or restrictions on where you can go, intended to stop a contagious disease from spreading.

Reasonable and customary costs: What customers would usually be charged for a specific service in a particular geographic area. The charges are appropriate to the availability of the service, and of skilled and licensed service providers.

Refund: Cash or a credit or voucher for future travel that you get from a travel agent, tour operator, airline, cruise line or other travel supplier, or any credit, recovery or reimbursement you get from your employer, another insurance company, a credit card issuer or any other entity.

Scheduled departure date: The day and time you listed on your application or other form as the day and time you plan to start your trip. You have paid for travel that starts on this date.

Severe weather Hazardous weather conditions, like fog, a hailstorm or severe rainstorm, a blizzard, or an ice storm.

Terrorist event: When an organized terrorist group, as defined by the U.S. State Department, injures or kills people or damages property to achieve a political, ethnic or religious goal or result. Terrorist events don’t include general civil protest, unrest, rioting or acts of war.

Travel supplier: A travel agent, tour operator, airline, cruise line or other travel service provider.

Traveling companion: A person traveling with you whose name appears with yours on the same trip arrangement and who will accompany you on your trip. A group or tour leader is not considered a traveling companion unless you are sharing the same room with the group or tour leader.

Trip: Round-trip or one-way travel to and from a place at least 100 miles from your home. It can’t include travel to receive health care or medical treatment of any kind, or commuting to and from work.

Unlawful acts: Felonies committed by you, a traveling companion or a family member, even if the family member isn’t covered by your plan.

Uninhabitable: A natural disaster, fire, flood, burglary or vandalism causes enough damage to make a reasonable person find their home or other accommodation unfit for use.

Exclusions

You aren’t covered for any loss that results directly or indirectly from any of the following general exclusions.

The following things if they affect you, a traveling companion or a family member, whether the family member is traveling with you or not: